Every major loan type gets its own calculator here — home, car, two-wheeler, personal, gold, business, education and property-backed loans — plus a full set of credit card tools: interest cost, minimum-due payoff time, utilization ratio, and balance transfer savings. Compare offers side by side, or generate a full year-by-year amortization schedule, all with the working shown and no sign-up required.
Our most-used loan calculator — monthly payment, total interest, and a full amortization view for any home loan worldwide.
Open calculator →Months to clear a balance at a fixed payment.
LiveMonthly finance charge on a carried balance.
LiveSee how long paying only the minimum really takes.
LiveKey factor in your credit score.
LiveWould switching cards actually save you money?
EMI is your fixed monthly payment. Amortization is the breakdown of each EMI into interest vs. principal over time — see the Amortization Schedule Generator above.
The core EMI math is universal. A few — gold loans, gratuity-adjacent conventions — are more common in India, but the formula works anywhere.
It's one of the biggest factors in most credit scoring models. Keeping it under 30% (ideally under 10%) generally helps your score.